                    &\multicolumn{1}{c}{(1)}         &\multicolumn{1}{c}{(2)}         &\multicolumn{1}{c}{(3)}         \\
\midrule
Workers' comp, punitive&      -0.189\sym{***}&      -0.054         &      -0.082\sym{***}\\
                    &     (0.053)         &     (0.047)         &     (0.016)         \\
\addlinespace
Workers' comp, no punitive&      -0.012         &       0.046         &       0.134         \\
                    &     (0.071)         &     (0.076)         &     (0.088)         \\
\midrule
Observations        &         911         &         911         &         911         \\
State FE            &         Yes         &         Yes         &         Yes         \\
State trend         &          No         &          No         &         Yes         \\
Division-year FE    &          No         &         Yes         &         Yes         \\
F-test WC           &       0.050         &       0.281         &       0.020         \\
